My 401(k) just crossed $112k. If I never contribute another dollar, I'll still retire a millionaire. Compounding is truly amazing.

We’ve owned our home for a month now and already: • Fixed the roof ($1,500) • Replaced the carpets ($5,500) • Painted the bedrooms ($1,000) • Repiped the whole house ($19,250) Owning a home is fun. But it’s also expensive.

Once you realize there will always be someone richer than you, someone who has more than you, someone with a nicer car than you, you can stop comparing yourself to other people. You can work on your self-worth and realize that what you have is enough 🧡

My friend just started a plumbing business. He said he’s on track to make $100k+ working less than 30hrs a week. His ultimate goal is to hire a crew to do the field work while he manages the business. Eventually sell and retire early. Don’t sleep on the trades.

$DAVE business model is insane. Dave offers cash advances from $25 to $500, typically approved within 5 minutes with no credit check. The average advance is $213. Instead of charging interest or late fees, they use a simple fee structure: 5% of the advance, with a $5 minimum and $15 maximum. Dave's average revenue per ExtraCash advance is $13.70. Dave funds a big chunk of ExtraCash through its partner bank, Coastal Community Bank $CCB. It pays Coastal the federal funds rate plus a margin to use their balance sheet for up to 60 days. After that, Dave has to buy the advance back at full value. That’s fine, though, because most advances are repaid on the customer's next payday, usually within 10–14 days. Now here's where it gets crazy… Assuming a funding cost of about 6.5% (the fed funds rate plus Coastal's margin), lending $213 for 12 days costs Dave only about $0.45. $213 × 6.5% × (12/365) = $0.45 Dave's average fee: $13.70 Coastal's funding cost: –$0.45 Spread before credit losses and processing: $13.25 Even after losses and processing costs, Dave keeps about 72% gross margins. Millions of people use it for gas, groceries, bills, and rent. To them, $13 to access a couple hundred dollars doesn't seem like much, right? But annualize that over a year instead of 12 days, and it works out to an APR of about 195%. Crazy that nobody on FinX is talking about this stock.

Imagine dumping $625/month into an S&P 500 index fund from 2000 to 2009 during the lost decade. You'd have loaded up on shares right before a generational bull run sent them 9x.

My wife starts her new job today. Pay raise, fully remote, and a 401k match. Cheers to her. She earned every bit of it. ☕️

Courses get a bad rep on here. But the best $34 I've ever spent was a potty training course for my 22-month-old daughter. Could I have found it all online for free? Sure. But having it all condensed into a 3.5-hour course with step-by-step instructions saved me hours and my sanity.

Yesterday a 7 year old girl knocked on our door with a stack of papers. She was selling her drawings. $3 each. I asked which one was her favorite. She said the blue dragon. I handed her a $10 and told her to keep the change. Her eyes lit up. Biggest smile. She said thank you and sprinted back to her mom. Not sure whose day that made more. The blue dragon is going on the fridge.

When I was a kid, my neighbor's family was rich. They had a BMW, a MasterCraft boat, and took 3 vacations a year. I asked their son how they had so much money. He said his dad invested in the stock market. My dad always said stocks were too risky. I've thought about that for 17 years.

Goldman Sachs studied some of the country’s highest earners. What they found was: • More than 1 in 3 people making $300,000+ are living paycheck to paycheck • Over two-thirds of $300K+ earners have put a major financial goal on hold That’s not an income problem.

$HOOD Gold card is unmatched. $278.95 straight into the brokerage account. What should I buy?

People overcomplicate investing. Listen, if you're a beginner: Avoid: • Picking individual stocks on day one • Chasing whatever went up 40% last month • Checking your portfolio 10x a day • Paying 1% fees for advice you don't need Instead: • Open a Roth IRA or grab your 401(k) match • Buy one low-cost index fund • Automate $100 a week • Build a 3-month emergency fund first • Understand the power of time in the market Focus on this for the first 12 months. Build from there.

You're 28 with $30k saved. Put it toward a house down payment, or invest it and keep renting? Mortgage rates are around 7%. S&P 500 10-year average is around 10%. What would you do?